The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$320/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,484/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,245
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$306/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,129
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$383/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$367/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,151
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,591
−HK$447/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,076/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$428/mo
Today · 4.125%
HK$16,593
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,186/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$575/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$551/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,492 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).